GMHBA Health Insurance Questions & Answers

Perhaps a rethink on the way this question is asked may help - at least me - especially the reference to COVID
I am not aware of what may be suggested here
What exactly has prompted this question?
Is their murmuring within the ranks I know nothing about?

There was a mention on Channel 7 last week that some health funds were refunding portions of unused extras on policies during 2020.

Thanks. It is now dawning on me as to your intent ... don't follow those type of sensational Public Affairs TV shows
My response: Why expect a refund?
What about 'normal' years when 'we' don't use all of our 'entitlements'
So, why should we cry foul just because we have a political lockdown?

I did not receive a full Extras refund fr GMHBA on new spectacles, as I did not think to check if my wife had claimed earlier in the same year (mine was at a considerable cost - three sets of specs: general, reading and 'required' prescription sun glasses (early cataracts developing). If I had just held out till the new Extras year rolled over ... !

Would be nice to be able to claim 'certain extras' to support specific medical conditions, in my case, a quality BP monitor
My long history of cardiac claims (GMHBA) would surely have given some value where our GMHBA Extras have generally (I think) been on the moderate side. Not sure how this could be manageable without an even greater admin burden on the Health Fund

And where do you stop like, a no-claim bonus where we don't use our Hospital cover for any year?

On my care insurance I recently had an automatic refund of approx $250, all because I had just included one of my daughters (aged 45) as another authorized driver (not a full-time driver). I was not under any penalties on that policy, although her no-claim accident history counted towards that $250.

My only point here is flexibility if possible at all, and every case on its merit and loyalty. Thank you. John

Try ringing them on their 13hundred number and asking.

Contact GMHBA and they can send you a direct link to send a photo image of the account. Very easy and payment is usually in your account within 1 - 2 days. Then each time you make a claim you use that same link.

$320 amonth a couple

We pay annually and expect to pay mid 4k this year

I had my claim made by my Surgeon - everything obviously went well as I had no contact from GMHBA and take it that they dealt with everything - other contacts with them have always been dealt with to my satisfaction.

Absolutely no idea. Sorry.

It would be the gap between the cost of the surgery/anaesthetic and the rebate from GMHBA which could be 'nothing'.

You would need to direct these questions to GMHBA. I think that because of the 10 ofthousands of members dropping private cover the funds are paying out less so current members are finding themselves more out of pocket.

and I was wondering why my email to GMHBA regarding any coverage ;under my policy for an ambulance service classified as urgent. I am not terribly impressed by this health insurance with this company and am considering changing to one that meets my needs. thanks. In answer to your question I don't know. Maybe cause there wasn't the money my bank account due to paying $987.00 to St Johns Ambulance, as I needed urgent medical attention

Yes, but I wouldn’t recommend them Pat

Your doctor is the one who will be charging for the surgery so ask them how much the gap fee will be. Ask them for separate quotes for the surgeon, assistant surgeon, and the anaesthetist.

They cover 87 hospitals out of 90

I am unable to answer this question as I have not had this treatment. I suggest you phone GMHBA and ask them in person, they have always been very upfront and honest with any questions I have had. Good luck I hope you have a positive outcome.

Hi Cheryl I am also unable to answer this question but suggest you ring GMHBA on 1300 446 422. We have always found the staff to be courteous and very helpful. Good luck!

Read the PDS from their web site. It depends on the cover and the size of the family covered and the work you get done. Gold extras seems to be the sweet spot IMO.

Silver Special Care Extras down to Bronze has the same level of dental. So, if you're not bothered by the other extras you can save by taking out the lower cover. You'll get around 50-60% back in this level for general dental. Major dental is another kettle of fish. It all depends on what your needs are, I'd advise calling a broker.